function f = mle_mixedrisk(d,ss,sn,so,ns,nn,no,os,on,a,t,y,z)
w = floor(d./100);
h = d-floor(d./100)*100;
f = factorial(12)./(factorial(h).*factorial(12-h)).*factorial(12)./(factorial(w).*factorial(12-w)).* ... 
    (ss.*(1 - a).^h.*a.^(12-h).*(1 - y).^w.*y.^(12-w) + sn.*(1 - a).^h.*a.^(12-h).*0.5.^w.*0.5.^(12-w)+ ... 
    so.*(1 - a).^h.*a.^(12-h).*z.^w.*(1 - z).^(12-w) + ns.*0.5.^h.*0.5.^(12-h).*(1 - y).^w.*y.^(12-w)+ ... 
    nn.*0.5.^h.*0.5.^(12-h).*0.5.^w.*0.5.^(12-w) + no.*0.5.^h.*0.5.^(12-h).*z.^w.*(1 - z).^(12-w)+ ... 
    os.*t.^h.*(1 - t).^(12-h).*(1 - y).^w.*y.^(12-w) + ... 
    on.*t.^h.*(1 - t).^(12-h).*0.5.^w.*0.5.^(12-w)+(1-ss-sn-so-ns-nn-no-os-on).*t.^h.*(1 - t).^(12-h).*z.^w.*(1 - z).^(12-w));
end